I think everybody is not doing it because 1) most people don't understand it, 2) it's not easy to form a bank, and 3) although banks can easily get money for lo

I think everybody is not doing it because 1) most people don't understand it, 2) it's not easy to form a bank, and 3) although banks can easily get money for loans, they will be shut down if the loans are not paid back. Because new money is created whenever a loan is created, the cost of money is artificially low. This discourages savings and encourages debt. So even though there are massive amounts of money to be made with a bank, I think that it's pretty hard to come up with the capital needed to open a bank. In this sense being a banker is like being a drug dealer. You can make a lot of money, but you can't consume what you sell. If you do, you end up being just another customer, a buyer not a seller.